Peopleschoice
Biddeford, ME · Charter 68442 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$366.9MAssets
$275.7MLoans
$335.7MShares
$32.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 76% of credit unions under $1B in assets (rank 411 of 1681).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets (rank 1533 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.78%
Rank 802 of 1,683
Net Interest Margin
3.96%
Rank 701 of 1,683
Efficiency Ratio
76.66%
Rank 757 of 1,682
Equity / Assets
8.78%
Rank 1,533 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 52% | 802 / 1,683 | |
| Return on Equity | 8.85% | 2.67% | 5.89% | 8.74% | Beats 76% | 411 / 1,681 | |
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 58% | 701 / 1,683 | |
| Efficiency Ratio | 76.66% | 68.91% | 78.20% | 86.93% | Beats 55% | 757 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,134 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.78% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,533 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.78% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,533 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 82.12% | 52.61% | 69.38% | 83.50% | 73rd pctl | 452 / 1,683 | |
| Loans / Assets | 75.14% | 44.71% | 59.18% | 70.72% | 83rd pctl | 281 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |